Retail & Shops · lender intelligence
How to finance a ZERO'S MR. SUBMARINE
The SBA 7(a) lenders funding the most ZERO'S MR. SUBMARINE deals, ranked from public loan records — typical ZERO'S MR. SUBMARINE loan about $1.0M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance ZERO'S MR. SUBMARINE
$1.02M
Typical loan
range $1.02M–$1.02M
$1.13M
Est. purchase price
≈ loan ÷ 90%
$155,059
Cash to close
$113,078 down + fees
$13,169/mo
Typical payment
~9.5% · 10yr
$181,732/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
23 days
Typical time to fund
1
Lenders competing
more = leverage
5.25%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with ZERO'S MR. SUBMARINE
Ranked by funded ZERO'S MR. SUBMARINE loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.149 loans · $135M · Mukwonago, WIFull record →
1+ funded ZERO'S MR. SUBMARINE deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Patel Food Store, LLC in Bristol, TN — $1.0M (2021) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $763K (75%)
- Approval → funding
- 23 days
- Approved
- 10/8/2020
- First disbursed
- 10/31/2020
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Change of Ownership
- Industry
- Gasoline Stations with Convenience Stores
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $113K
- Est. cash at closing
- $155K
- Monthly payment
- $6,099
- Annual debt service
- $73K
- Cash flow needed (1.25×)
- $91K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Citizens Bank · Lender record →
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Buying a ZERO'S MR. SUBMARINE? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to ZERO'S MR. SUBMARINE businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a ZERO'S MR. SUBMARINE purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Citizens Bank funds the most. CapBench is not a lender.
- $1.0M typical ZERO'S MR. SUBMARINE loan
- 1 lenders fund the brand
- 23 days typical to fund
Buyers researching a ZERO'S MR. SUBMARINE typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.